House Price Prophet Says Crash Has Already Begun

An economist with a track record of spotting housing crashes years early reckons we're already in one, and that average home values could fall by as much as £82,000.
- Why it matters: if you own a home or are about to buy, this is the kind of call that shapes mortgage decisions for years.
- He's been right twice before, which is exactly why people are paying attention this time.
- No crystal ball is perfect, so treat this as one strong opinion, not gospel.

John Ternus took over as Apple's CEO in September and just posted revenue of $30.71bn, beating analyst expectations. That's a rare bright spot, since big tech names like Alphabet and Amazon have been trending the other way this quarter. A strong start like this tends to calm investor nerves about leadership changes.

Britain and the EU have drafted a deal to scrap a chunk of the paperwork and checks that have made food exports a headache since Brexit.
- It's being billed as the biggest part of the UK-EU 'reset' so far, with a summit due later this month.
- Why it matters: less red tape usually means lower costs for food businesses, which can eventually trickle down to supermarket shelves.

Despite all the doom around Poundland, internal figures reportedly show sales up around 10% and trading 'flying'. It's a reminder that private equity ownership stories and the actual shop floor numbers don't always tell the same tale.

Pyongyang is rejecting US claims it was behind the record-breaking Binance hack, even as blockchain researchers trace the stolen crypto across networks. Crypto security remains a live risk for anyone holding digital assets, denial or not.

Rolls-Royce shares have taken a real tumble this month. The question for investors is whether this is a fundamental problem with the business or just a pullback worth a second look. Either way, it's a good example of why single-month share moves rarely tell the whole story.